and so, um, you know, whatever the case may be, the economy's growing, but it's not a feel-good economy because the growth is not rapid enough to reduce i the level of unemployment in the -- reduce the level of unemployment in the economy. giving you some support, very important area of the economy to both the consumer and consumer psychology is housing. and you see really the ingredients for a decent size recovery in housing activity. affordability is near record high, that's the top left-hand slide. home prices to disposable income is running near record low levels, so houses are cheap. in fact, the value of a home is a function of the capitalized cost of renting. rents have gone up much more relative to house price, and so now it's actually with cheaper to buy a home than to rent. but people have not been doing it aggressively yet because one of the most important expenditures they make in their lifetime is a home purchase. and to the extent that they're not confident that the home prices have bottomed out, they don't want to make that jump, that leap. but as they start to see eviden